ACH & Credit Card Processing: Template - Check Verification & Guarantee - Payment Gateways and Terminals and Software

ACH & Credit Card Processing - Check Verification & Guarantee - Payment Gateways Terminals and Software

IDVerify^™

In today’s environment it’s becoming increasingly important to know that the person you’re talking to or selling goods and services to is exactly who they say they are. Now with the help of cutting edge technology IDVerify™ can assist you in determining, in real-time, the likelihood that the person you are talking to IS who they claim to be thus dramatically reducing potential losses.

IDVerify™ was designed to defend businesses against fraud, identity theft, terrorism and money laundering. IDVerify™ can be used by ACH processors, software companies, car dealerships, financial institutions, payday loan operations, insurance companies, government, check cashing companies, brokerage firms and mortgage companies, to name a few.

The IDVerify™ Advantage

IDVerify™ aggregates the highest quality data sources available today and combines them with sophisticated programming technology. The data sources include the Social Security Administration, Regional Bell Operating companies, credit header data, government watch lists and many other proprietary sources.

IDVerify™ optionally offers, at no additional cost, the most effective identity authentication solution in the marketplace today. IDVerify™ generates a question and the corresponding answer. The correct person answers quickly and easily without holding up the online transaction or line. The identity thief stumbles and finds another business to steal from.

Customized Service

IDVerify™ can deliver a raw data response or a customized result. Whether you need all the raw data, designated data, one question, five questions, or a customized risk score, IDVerify™ addresses your business needs.

IDVerify™ can be accessed either through our Virtual Terminal or for merchants that need an integrated solution this can be achieved a number of ways. We expose interfaces to our data through XML over SOAP, XML over HTTPS, and XML through .Net Web Services. By combining IDVerify™ with ATMVerify™, APS can provide your company with the most comprehensive fraud management system in the marketplace.

IDVerify™ Services

Verifies and authenticates a consumer’s identity in seconds
Provides up to 72 response codes in a customized format
Complies with the Patriot Act
Verifies SSN and name match
Verifies SSN was issued after date of birth
Verifies name and address match
Verifies name, date of birth match and driver’s license name
Checks to see if their address is high risk
Checks to see if consumer is on a deceased list
Verifies phone and name match
Verifies phone and address match
Screens name against Office of Foreign Asset Control (OFAC) list
Can optionally initiate interactive historical questionnaire to authenticate identity